State-guaranteed loans during the COVID-19 crisis The Government is implementing an exceptional guarantee scheme to support the bank financing of companies, up to EUR 300 billion. Until December 31, companies of any size, regardless of the legal form of the company (including companies, traders, craftsmen, farmers, liberal professions, micro-entrepreneurs, associations and foundations engaged in economic activity), with the exception of civil real estate companies, credit institutions and finance companies, will be able to apply to their usual bank for a loan guaranteed by the State to support their cash flow. ### The Business Aid Scoreboard In order to offer visibility to all French people on the allocation of aid to enterprises, the Minister for Action and Public Accounts, with the technical support of the department Etalab of the Inter-Ministerial Directorate of Digital (DINUM), make available a scoreboard of which source code is available, which proposes a consolidated vision of the support provided to companies. ### Description of the data This dataset contains the data presented on the State Guaranteed Loans tab of the dashboard. The data shall inform, at regional and departmental granularity, the following data: — the number of loans guaranteed by the State; — the total amount of loans guaranteed by the State in euros; — the sector of activity of the beneficiary companies (via a section of the NAF code).

This dataset combines all Spanish micro, small and medium firms that received ICO (Instituto de Crédito Oficial) guaranteed loans in 2020–2021 with a matched sample of non-treated peers drawn from the same NUTS-3 region and NACE Rev. 2 four-digit industry. Each firm-year record includes, treatment amount and first-treatment year, plus operational and financial metrics—employees , turnover, total assets, and interest-coverage ratio (ICR)— from 2017 to 2022. Structured as an unbalanced panel, it lets you compare how employment and turnover evolve for ICO COVID-19 supported firms versus matched controls.

Data in respect of Covid related Government support schemes. This includes: Coronavirus Government Co-Funded Payroll Scheme Visitor Accommodation Support Scheme (VASS) Fixed Costs Support Scheme (FCSS) Business Disruption Loan Guarantee Scheme Covid related Government support schemes are reported on in the economic indicator reports. The economic indicator reports are available here on gov.je.

Temporary closure and government program participation due to COVID-19. Example: Canada Emergency Business Account (CEBA), Canada emergency wage subsidy (CEWS), Export Development Canada Loan of Guarantee (EDC), by small and medium enterprises in 2020 by region, CMA level, North American Industry Classification System (NAICS), demographics, age of business, employment size, rate of growth, etc.

This feature layer is part of SDGs Today. Please see sdgstoday.orgTo address the economic and social challenges posed by the COVID-19 pandemic, governments are using fiscal measures, including additional expenditure and liquidity support, that have different budgetary and debt-related implications. The International Monetary Fund (IMF) compiles a database on fiscal measures announced by 141 different governments in response to the COVID-19 pandemic. The database categorizes different types of fiscal support. Above-the-line measures are reflected in the fiscal balance and government debt and include additional spending, capital grants and targeted transfers, or tax relief measures. Below-the-line measures involve the creation of assets, such as loans or equity in firms. Government guarantees granted to banks, firms, or households usually have no immediate upfront cost in the form of deficit or debt, but they create a contingent liability, with the government exposed to future calls on guarantees which could increase public debt. Numbers in the database represent IMF estimates and are considered preliminary. As of December 31st 2020, total fiscal support announced across all measures and all 141 countries amounted to USD 13.9 trillion. For more information and access to the data, click here. Further information on the specific measures is available in the IMF Fiscal Monitor April 2020 and the IMF Policy Tracker.

Temporary closure and government program participation due to COVID-19. Example: Canada Emergency Business Account (CEBA), Canada emergency wage subsidy (CEWS), Export Development Canada Loan of Guarantee (EDC), by small and medium enterprises in 2020 by region, CMA level, North American Industry Classification System (NAICS), demographics, age of business, employment size, rate of growth, etc.

According to Cognitive Market Research, the global small business loan market size is USD XX million in 2024. It will expand at a compound annual growth rate (CAGR) of 6.00% from 2024 to 2031. North America held the major market share for more than 40% of the global revenue with a market size of USD XX million in 2024 and will grow at a compound annual growth rate (CAGR) of 4.2% from 2024 to 2031. Europe accounted for a market share of over 30% of the global revenue with a market size of USD XX million. Asia Pacific held a market share of around 23% of the global revenue with a market size of USD XX million in 2024 and will grow at a compound annual growth rate (CAGR) of 8.0% from 2024 to 2031. Latin America had a market share for more than 5% of the global revenue with a market size of USD XX million in 2024 and will grow at a compound annual growth rate (CAGR) of 5.4% from 2024 to 2031. Middle East and Africa had a market share of around 2% of the global revenue and was estimated at a market size of USD XX million in 2024 and will grow at a compound annual growth rate (CAGR) of 5.7% from 2024 to 2031. The medium term loan held the highest Small business loan market revenue share in 2024. Market Dynamics of Small business loan Market Key Drivers for Small business loan Market Government Support Programs to Increase the Demand Globally Government support programs play a pivotal role in boosting global demand for small business loans. By providing guarantees, subsidies, and low-interest loan options, governments reduce the financial risk for lenders, encouraging them to extend more credit to small businesses. Initiatives like the Small Business Administration (SBA) loans in the U.S. or similar programs in other countries, offer critical financial backing that enables small businesses to secure the necessary capital for growth and operations. Additionally, grants and tax incentives further alleviate the financial burdens on small enterprises, making borrowing more attractive. These supportive measures not only stimulate entrepreneurial activity and economic growth but also foster innovation and job creation, thereby enhancing the overall economic landscape and driving increased demand for small business loans globally. Online lending platforms to propel the market growth Online lending platforms are revolutionizing the small business loan market by significantly propelling its growth. These platforms leverage advanced technology to streamline the loan application process, making it faster and more efficient compared to traditional methods. Small businesses benefit from quicker approval times and access to a broader range of loan products tailored to their specific needs. The user-friendly interfaces and data-driven decision-making tools used by online lenders improve accessibility for businesses that might struggle with traditional lending criteria. Additionally, the competitive interest rates and flexible repayment options offered by these platforms attract a diverse pool of borrowers. By breaking down geographic and bureaucratic barriers, online lending platforms are expanding the reach of financial services, fostering innovation, and driving substantial growth in the small business loan market. Restraint Factor for the Small business loan Market High-interest rates to Limit the Sales High-interest rates significantly limit sales in the small business loan market. When interest rates are elevated, the cost of borrowing increases, making loans less affordable for small businesses. This higher financial burden can deter many businesses from taking out loans, especially those with tight profit margins or limited cash flow. Consequently, potential borrowers may postpone or abandon plans for expansion, equipment purchases, or other investments that require financing. Furthermore, high-interest rates increase the risk of default, which can lead to stricter lending criteria and reduced loan availability from cautious lenders. This environment creates a challenging cycle where high costs inhibit demand and access to credit, ultimately restricting the overall growth and dynamism of the small business sector. Impact of Covid-19 on the Small business loan Market The COVID-19 pandemic had a profound negative impact on the small business loan market. As economic uncertainty surged, many small businesses faced significant revenue losses, reducing their ability to repay loans. Consequently, lenders became more risk-averse, tighte...